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Freedom Fidelity Management – Scam, Complaint, Review, or Praise?

Please share your experience with this debt relief company and provide your review and feedback, in the comments section below.

The goal of this page is to allow people to share information that may be important to help others to make a more informed decision regarding their experience with this debt relief company. Here are some potential questions you might be able to provide feedback about.

  • How did you feel about the customer service experience you received?
  • Was the company easy to communicate with before or after you became a client?
  • Did the company respond to your communications promptly?
  • What were the fees charged for the services you received?
  • Did the company give you the terms and conditions for the program you were interested in before you gave them any personal information?
  • Was the program successful for you and accomplish the goals you had when you entered the program?
  • Did you have a really good experience you can share?
  • Did you have a bad experience you want to share?
  • Is there any other information you’d like people to know that might be considering the services of this company?

It is important to understand when reading comments below that they are the opinions of the individual posters and may not be representative of the overall impression of all consumers that may have or have not used the debt relief services of this company. But everyone does deserve to have an opportunity to express their opinion, even the debt relief company itself, be it good, bad, or indifferent.

Freedom Fidelity Management   Scam, Complaint, Review, or Praise?
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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • nat

    heeeellllll nooo

  • Jtriplo

    My advice to anyone considering using Freedom Fidelity Management (now Alliance 8) is to stay away. This company is rife with dishonesty. We were clients paid in a gross sum of $20,130 and saw one account settled for $2,300. Regina Ferron and Carmen Virmontes two employees in management are actors and imitators. Don’t be fooled! You can resolve your debt through better means, do your home work. I’m personally in much worse shape financially and will pursue FFM through the courts. I take my inspiration from all the people whom FFM has defrauded. thank you , Joseph Triplo

  • Jtriplo

    My advice to anyone considering using Freedom Fidelity Management (now Alliance 8) is to stay away. This company is rife with dishonesty. We were clients paid in a gross sum of $20,130 and saw one account settled for $2,300. Regina Ferron and Carmen Virmontes two employees in management are actors and imitators. Don’t be fooled! You can resolve your debt through better means, do your home work. I’m personally in much worse shape financially and will pursue FFM through the courts. I take my inspiration from all the people whom FFM has defrauded. thank you , Joseph Triplo

  • Joe_debt_jr

    FFM new website is http://www.alliance8.com

  • Guest

    If you haven’t already, ask Global for the remainder of your funds returned. Otherwise they will continue to deduct their monthly fee until what little is left, is all gone. Keep records of what fees were paid out of the account, and to whom (to FFM, to Global, to a creditor, etc). Small claims court seems to be your best bet to try and recoup the fees paid that were unearned. When you do have funds available to get rid of this last debt, find out who is currently holding it (credit report? The judgment should show who obtained it, which would be available through the courthouse it was adjudicated through, that creditor should know if they sold it and to whom, but it may have been re-sold numerous times by the time you get to it), and deal with them directly. They will probably also be willing to negotiate.

  • Truwizkid

    Hello sir,

    You are exactly right! I was ignorant and they failed to thoroughly inform me!
    I am trying to find my next step as we speak!
    I have no contact with FFM/Alliance8.

    I have no $, no phone, no car!
    I got laid off last June and have been looking for honest work since!

    I am also done with my debt and this is the last thing!
    I will buy lunch for who ever can help me get out of my situation!

    The only reason I care about a settlement $ is so that I can use that to pay the card off!
    Advice, help would be awesome!!!

  • Steve Rhode

    Keep me posted.

    Cheers back at you.

  • Guest

    Where was the money held while it accumulated? With Global Client Solutions/Rocky Mountain Bank & Trust/Bank of Oklahoma; or NoteWorld? I’m pretty sure FFM uses Global. Ask Global (or NoteWorld if that is the case) for an accounting of your funds if you haven’t already had the remainder returned to you. If there is anything in there, that is what is available to settle with. If it’s all gone (or Global told you they didn’t have anything to return or it was minimal) then it was all eaten up in fees. Just because you paid the 3734.10 doesn’t mean it is all there be used for settlement, FFM would have taken out their fees first thing. If you cancelled the contract, any refund policy that may have been available was probably nixed, since most debt settlement contracts say that upon canceling all fees paid have been deemed earned. The refund policies I’ve seen say that a refund is available at the end of the process only if the fees paid come to more than x% of the debt reduction, and the entire process must be completed for the refund to be available. Of course, they never say anything about what to do when the company disappears without providing service.
    It seems to me that your only recourse would be to file a claim in small claims court, or pursue bankruptcy (if that is an appropriate option, which only a local bankruptcy attorney will be able to answer for you).
    I’m sorry you feel FFM ripped you off. Unfortunately, that’s how many clients have come to feel about their experiences with debt settlement, the process simply wasn’t explained adequately and the proper clients weren’t signed up.

  • Truwizkid

    Thank you Steve. I Really appreciate your help. I will let you know of my progress sir.
    Note- I meant to say that I have no other debt, besides this charged off amount.

    You are the best brother!
    Cheers!

  • Steve Rhode

    All of your debt is not eliminated. The charge off is still a collectible debt.

    I did direct you to someone local. Either file a claim with your local small claims court or find a local attorney to represent you in getting your money back.

    The charged off debt sounds like it wound up being a judgment against you.

    You may simply have to wait till you can earn some money to fight back against them. One last stop would be to contact the local Legal Aid folks and see if they can represent you.

    Steve

  • Truwizkid

    I have eliminated all of my debt, besides this charge off!

    Do you have anyone in phoenix I can turn to for honest, personal help?
    Is there anyone you recommend?
    Again, I have no job, no car, no money!

    Steve, I need some serious direction and help!
    Please direct me to someone I can trust because I don’t want to get duped again!

  • Steve Rhode

    I am afraid to tell you, you were misled. There never was a guarantee they would settle the debt for that amount. They could not offer that to you. They most likely lied to you.

    As of today the company has not yet gone bankrupt. So your options at this point at to sue FFM in your local small claims court or hire an attorney to get your money back.

    On the judgment you’ll either have to pay it, plus accrued interest, when you can or talk to a local bankruptcy attorney about discharging your debt. I don’t know what, if any, additional debt you might have.

  • Truwizkid

    Steve,

    That is Exactly what I mean!
    That it why I need help!

    Yes, I was duped to think that what I paid would cover it all!
    Now I have a charge off, no refund, no communication, no nothing, but pending debt!

    Is there someone I can mail my stuff to so they can help me out?
    Who can I turn to for answers?

    Thank you!

  • Steve Rhode

    I just checked the current FFM BBB record. It says: “In some cases, the complaint allegations are very serious. Complainants allege the company fails to fulfill services, does not contact or pay creditors, misrepresents that they can stop harassing calls and collection efforts from creditors and does not issue refunds. Complainants also allege the company does not answer or return calls, fails to inform clients of the status of their cases, and complainants experience difficulty cancelling services. Some complainants allege they were sued by their creditors or had to file for bankruptcy because the company did not settle their debt. The company responds to some complaints by issuing full or partial refunds, claiming they contacted creditors and work to resolve the client’s debt situation. Generally, the company responds by denying allegations of misrepresentation. In some cases, the company offers to continue their services or agree to cancel services.” – Source

    The company has 424 BBB complaints and their website does not work.

  • Steve Rhode

    I get the impression that you believed the amount you paid would resolve your debts. In fact that is not the case. The amount paid was an estimate by the settlement company of what they would HOPE to settle your debt for. The settlement company has no crystal ball to know what the companies will settle for. In fact HSBC has been particularly problematic. See this article.

    Correct me if I am wrong here but it seems the issue at the moment is you feel you paid FFM enough money to settle both debts but they did not settle the HSBC debt and it wound up in a judgment. Correct?

  • Truwizkid

    If I paid $3,734.10 for 2 cards and B of A settled for $2,000? That leaves $1,734.10 to cover the Orchard card, no problem!

    That’s the thing, I can’t get a person on the phone!
    No email, no phone, only mail gets attention, but no evolution of solution!
    I followed your steps in another article and now at at the point of having to sue…

    I don’t have much faith in just mailing complaints, I want to personally make sure this thing gets taken care of and never comes back to bite me!

    I wish I could just email you everything I have and that way you could see everything for yourself!

    Don’t worry, I trust you my friend, I just need someone else’s educated eyes on this!
    Is there any possible way that I can send you my info?
    Mail it maybe?

  • Steve Rhode

    You’ll need to follow the entire process if they have not responded. That may suing them in small claims court.

    Their argument is going to be they never promised you or guaranteed you your creditors would accept their negotiations. They may have given you an amount to pay but they will say it was based on their estimate of what your creditors would do, not what they would actually do.

    The debt does not sound settled to me and I have no clue where the money went. We’ll need a better accounting of where the money the money is. Have them been able to provide that to you?

  • Truwizkid

    Sir,

    I was under the imrpession that when I signed with FFMGT, They cut my debt in half and told me to pay $3,734.10 and I did and have proof!

    So far, they have only paid 1 of 2 cards and the other was the pedning law suit against me.
    To help clarify, I followed your advice with the certified mail, rrr info., while I was waiting for them to respond to my BBB complaint on 12.21.2010.

    Everyone has gotten my complaint and have it saved for my records.

    Again, they have not paid off my HSBC Card, it says charged off on my credit report and I have yet to get anything saying that it is settled!

    All I have done is pay all that they have asked me to pay, I’m sure they will pull out the fine print in the contract I signed and basically say it’s my fault for getting involved with them…right?

    Do I wait for the complaints to take affect?
    Do I take legal, attorney action?

    I don’t know what to do, but I can’t just sit here waiting, you know?

  • Steve Rhode

    it seems we have two issues here. One is the issue of the refund.

    But the issue that concerns me the most is what that court case was all about. If you can make it to the court house they will help you to lookup the records. It’s the “adjudicated” comment that makes me believe they proceeded with the case.

    Help me understand if I have this correct. You have paid FFM the total of their fees and enough to settle the HSBC debt and they haven’t? Is that correct? Or is it that you paid them the fees for services but did not have the money to settle?

    If you can help clarify this for me we can get to te bottom of it.

    Reply with your answers please.

  • allen s.

    Here is my story,

    It was my fault, but I took a friend’s word and got myself involved with Freedom Financial Management.
    On 5.26.2009, I enrolled in their program; on 3.12.2010 I completed the FFMGT program payments.

    Note: Freedom Financial Management, Freedom Fidelity Management and Alliance8 all operate out of the same address!

    2 credit cards:
    B of A credit card/Orchard credit card *the B of A card had more debt on it*
    My original debt:
    $6,915.00
    Debt reduced to:
    $3,734.10
    Amount I paid:
    $3,734.10

    After I received a confirmation letter from B of A, that the card was settled on 6.11.2010, a lawsuit regarding the other pending card-HSBC, appears on public records against me. When contact was fluent, they assured me that this was normal.

    On 12.21.2010, I filed a complaint with the BBB-#98574948 that went unanswered. On 1.15.11, I mailed a letter, certified mail with return receipt request, requesting my termination and full refund that was accepted on 1.18.11. Giving them a 2week deadline upon receiving the letter or I would complain to 8 contacts I also provided. Their deadline was 2.1.11 that went unanswered.

    After they received the letter on 1.18.11, I noticed that the pending lawsuit went from New Case to Adjudicated.

    After the deadline went unanswered on 2.1.11, I mailed all 8 complaints, including the FTC, AZ Attorney Gen/Ca Attorney Gen, AZ State-Bar, Ca State-Bar, AZ CBS5, Ca KFMB-8, AZ Consumer Affairs.
    FFMGT was also mailed a copy of Everything I sent everyone else!

    I have confirmation that Everyone has received their complaints and information…now what?
    Please know that I have copies of Everything along the way, as they are proof of my experience!

    I would greatly appreciate Any advice or legal guidance that might be given!

    I have no job, no phone and no money!
    I need direction, advice, information, any help to help myself!
    Thank you so much!

    Respectfully,
    -allen steng
    [email protected]

    Freedom Financial Management, Freedom Fidelity Management & Alliance8:
    Santa Ana Office
    1901 East Alton Avenue, Suite 240
    Santa Ana, CA 92705
    888-443-3648

  • allen s.

    Here is my story,

    It was my fault, but I took a friend’s word and got myself involved with Freedom Financial Management.
    On 5.26.2009, I enrolled in their program; on 3.12.2010 I completed the FFMGT program payments.

    Note: Freedom Financial Management, Freedom Fidelity Management and Alliance8 all operate out of the same address!

    2 credit cards:
    B of A credit card/Orchard credit card *the B of A card had more debt on it*
    My original debt:
    $6,915.00
    Debt reduced to:
    $3,734.10
    Amount I paid:
    $3,734.10

    After I received a confirmation letter from B of A, that the card was settled on 6.11.2010, a lawsuit regarding the other pending card-HSBC, appears on public records against me. When contact was fluent, they assured me that this was normal.

    On 12.21.2010, I filed a complaint with the BBB-#98574948 that went unanswered. On 1.15.11, I mailed a letter, certified mail with return receipt request, requesting my termination and full refund that was accepted on 1.18.11. Giving them a 2week deadline upon receiving the letter or I would complain to 8 contacts I also provided. Their deadline was 2.1.11 that went unanswered.

    After they received the letter on 1.18.11, I noticed that the pending lawsuit went from New Case to Adjudicated.

    After the deadline went unanswered on 2.1.11, I mailed all 8 complaints, including the FTC, AZ Attorney Gen/Ca Attorney Gen, AZ State-Bar, Ca State-Bar, AZ CBS5, Ca KFMB-8, AZ Consumer Affairs.
    FFMGT was also mailed a copy of Everything I sent everyone else!

    I have confirmation that Everyone has received their complaints and information…now what?
    Please know that I have copies of Everything along the way, as they are proof of my experience!

    I would greatly appreciate Any advice or legal guidance that might be given!

    I have no job, no phone and no money!
    I need direction, advice, information, any help to help myself!
    Thank you so much!

    Respectfully,
    -allen steng
    [email protected]

    Freedom Financial Management, Freedom Fidelity Management & Alliance8:
    Santa Ana Office
    1901 East Alton Avenue, Suite 240
    Santa Ana, CA 92705
    888-443-3648

    • http://GetOutOfDebt.org Steve Rhode

      it seems we have two issues here. One is the issue of the refund.

      But the issue that concerns me the most is what that court case was all about. If you can make it to the court house they will help you to lookup the records. It’s the “adjudicated” comment that makes me believe they proceeded with the case.

      Help me understand if I have this correct. You have paid FFM the total of their fees and enough to settle the HSBC debt and they haven’t? Is that correct? Or is it that you paid them the fees for services but did not have the money to settle?

      If you can help clarify this for me we can get to te bottom of it.

      Reply with your answers please.

      • Truwizkid

        Sir,

        I was under the imrpession that when I signed with FFMGT, They cut my debt in half and told me to pay $3,734.10 and I did and have proof!

        So far, they have only paid 1 of 2 cards and the other was the pedning law suit against me.
        To help clarify, I followed your advice with the certified mail, rrr info., while I was waiting for them to respond to my BBB complaint on 12.21.2010.

        Everyone has gotten my complaint and have it saved for my records.

        Again, they have not paid off my HSBC Card, it says charged off on my credit report and I have yet to get anything saying that it is settled!

        All I have done is pay all that they have asked me to pay, I’m sure they will pull out the fine print in the contract I signed and basically say it’s my fault for getting involved with them…right?

        Do I wait for the complaints to take affect?
        Do I take legal, attorney action?

        I don’t know what to do, but I can’t just sit here waiting, you know?

      • http://GetOutOfDebt.org Steve Rhode

        You’ll need to follow the entire process if they have not responded. That may suing them in small claims court.

        Their argument is going to be they never promised you or guaranteed you your creditors would accept their negotiations. They may have given you an amount to pay but they will say it was based on their estimate of what your creditors would do, not what they would actually do.

        The debt does not sound settled to me and I have no clue where the money went. We’ll need a better accounting of where the money the money is. Have them been able to provide that to you?

      • Truwizkid

        If I paid $3,734.10 for 2 cards and B of A settled for $2,000? That leaves $1,734.10 to cover the Orchard card, no problem!

        That’s the thing, I can’t get a person on the phone!
        No email, no phone, only mail gets attention, but no evolution of solution!
        I followed your steps in another article and now at at the point of having to sue…

        I don’t have much faith in just mailing complaints, I want to personally make sure this thing gets taken care of and never comes back to bite me!

        I wish I could just email you everything I have and that way you could see everything for yourself!

        Don’t worry, I trust you my friend, I just need someone else’s educated eyes on this!
        Is there any possible way that I can send you my info?
        Mail it maybe?

      • http://GetOutOfDebt.org Steve Rhode

        I get the impression that you believed the amount you paid would resolve your debts. In fact that is not the case. The amount paid was an estimate by the settlement company of what they would HOPE to settle your debt for. The settlement company has no crystal ball to know what the companies will settle for. In fact HSBC has been particularly problematic. See this article.

        Correct me if I am wrong here but it seems the issue at the moment is you feel you paid FFM enough money to settle both debts but they did not settle the HSBC debt and it wound up in a judgment. Correct?

      • http://GetOutOfDebt.org Steve Rhode

        I just checked the current FFM BBB record. It says: “In some cases, the complaint allegations are very serious. Complainants allege the company fails to fulfill services, does not contact or pay creditors, misrepresents that they can stop harassing calls and collection efforts from creditors and does not issue refunds. Complainants also allege the company does not answer or return calls, fails to inform clients of the status of their cases, and complainants experience difficulty cancelling services. Some complainants allege they were sued by their creditors or had to file for bankruptcy because the company did not settle their debt. The company responds to some complaints by issuing full or partial refunds, claiming they contacted creditors and work to resolve the client’s debt situation. Generally, the company responds by denying allegations of misrepresentation. In some cases, the company offers to continue their services or agree to cancel services.” – Source

        The company has 424 BBB complaints and their website does not work.

      • Truwizkid

        Steve,

        That is Exactly what I mean!
        That it why I need help!

        Yes, I was duped to think that what I paid would cover it all!
        Now I have a charge off, no refund, no communication, no nothing, but pending debt!

        Is there someone I can mail my stuff to so they can help me out?
        Who can I turn to for answers?

        Thank you!

      • http://GetOutOfDebt.org Steve Rhode

        I am afraid to tell you, you were misled. There never was a guarantee they would settle the debt for that amount. They could not offer that to you. They most likely lied to you.

        As of today the company has not yet gone bankrupt. So your options at this point at to sue FFM in your local small claims court or hire an attorney to get your money back.

        On the judgment you’ll either have to pay it, plus accrued interest, when you can or talk to a local bankruptcy attorney about discharging your debt. I don’t know what, if any, additional debt you might have.

      • Truwizkid

        I have eliminated all of my debt, besides this charge off!

        Do you have anyone in phoenix I can turn to for honest, personal help?
        Is there anyone you recommend?
        Again, I have no job, no car, no money!

        Steve, I need some serious direction and help!
        Please direct me to someone I can trust because I don’t want to get duped again!

      • http://GetOutOfDebt.org Steve Rhode

        All of your debt is not eliminated. The charge off is still a collectible debt.I did direct you to someone local. Either file a claim with your local small claims court or find a local attorney to represent you in getting your money back. The charged off debt sounds like it wound up being a judgment against you.You may simply have to wait till you can earn some money to fight back against them. One last stop would be to contact the local Legal Aid folks and see if they can represent you.Steve

      • Truwizkid

        Thank you Steve. I Really appreciate your help. I will let you know of my progress sir.
        Note- I meant to say that I have no other debt, besides this charged off amount.

        You are the best brother!
        Cheers!

      • http://GetOutOfDebt.org Steve Rhode

        Keep me posted.

        Cheers back at you.

      • Anonymous

        FFM new website is http://www.alliance8.com

    • Guest

      Where was the money held while it accumulated? With Global Client Solutions/Rocky Mountain Bank & Trust/Bank of Oklahoma; or NoteWorld? I’m pretty sure FFM uses Global. Ask Global (or NoteWorld if that is the case) for an accounting of your funds if you haven’t already had the remainder returned to you. If there is anything in there, that is what is available to settle with. If it’s all gone (or Global told you they didn’t have anything to return or it was minimal) then it was all eaten up in fees. Just because you paid the 3734.10 doesn’t mean it is all there be used for settlement, FFM would have taken out their fees first thing. If you cancelled the contract, any refund policy that may have been available was probably nixed, since most debt settlement contracts say that upon canceling all fees paid have been deemed earned. The refund policies I’ve seen say that a refund is available at the end of the process only if the fees paid come to more than x% of the debt reduction, and the entire process must be completed for the refund to be available. Of course, they never say anything about what to do when the company disappears without providing service.
      It seems to me that your only recourse would be to file a claim in small claims court, or pursue bankruptcy (if that is an appropriate option, which only a local bankruptcy attorney will be able to answer for you).
      I’m sorry you feel FFM ripped you off. Unfortunately, that’s how many clients have come to feel about their experiences with debt settlement, the process simply wasn’t explained adequately and the proper clients weren’t signed up.

      • Truwizkid

        Hello sir,

        You are exactly right! I was ignorant and they failed to thoroughly inform me!
        I am trying to find my next step as we speak!
        I have no contact with FFM/Alliance8.

        I have no $, no phone, no car!
        I got laid off last June and have been looking for honest work since!

        I am also done with my debt and this is the last thing!
        I will buy lunch for who ever can help me get out of my situation!

        The only reason I care about a settlement $ is so that I can use that to pay the card off!
        Advice, help would be awesome!!!

      • Guest

        If you haven’t already, ask Global for the remainder of your funds returned. Otherwise they will continue to deduct their monthly fee until what little is left, is all gone. Keep records of what fees were paid out of the account, and to whom (to FFM, to Global, to a creditor, etc). Small claims court seems to be your best bet to try and recoup the fees paid that were unearned. When you do have funds available to get rid of this last debt, find out who is currently holding it (credit report? The judgment should show who obtained it, which would be available through the courthouse it was adjudicated through, that creditor should know if they sold it and to whom, but it may have been re-sold numerous times by the time you get to it), and deal with them directly. They will probably also be willing to negotiate.

  • Joe_debt_jr

    contact your local attorney general and FTC. according to their BBB records they have over 422 complaints and 97 of those complaints went unanswered. http://www.la.bbb.org/Business… Looks like these clowns, changed their names 3 times hoping to get a new image, they are now called Alliance 8. good luck.

  • Bakarmiah

    many people lost money with this company. how we can recover money from this company?

  • Bakarmiah

    many people lost money with this company. how we can recover money from this company?

  • Bakarmiah

    My name is Mohammed Bakar.I send a letter to Freedom Fidelity Management two weeks ago asking them to give my money back,somebody received the letter . Since then , I did not hear anything from them.I am still waiting for my reply. After one month I am going to take a leagal action against the company to get my oney back unless they do something.

  • Bakarmiah

    My name is Mohammed Bakar.I send a letter to Freedom Fidelity Management two weeks ago asking them to give my money back,somebody received the letter . Since then , I did not hear anything from them.I am still waiting for my reply. After one month I am going to take a leagal action against the company to get my oney back unless they do something.

  • Pat

    Yes you should close your account. I spoke to an atty and she suggested that my husband and me close out account immediately. She said they had to change their names because they have to stay 1 step ahead of all the lawsuits against them. We have been with them since March 2010 and I closed my account with them in Oct 2010. They are a rip off. I suggest you get out as soon as possible. They tell people they settle 1 account so you can feel like they are working on your account, but in reality they dont want to loose your money

  • Disillusioned and Mad as …

    Do NOT use this company! They are a shortcut to being sued, broke, disillusioned, depressed, and FULL of regret! This is a complete scam. No help. No bills payed. No response. They DID cash my check – that is the ONLY thing they have done!

    If you are considering using this company – DON’T!

  • Disillusioned and Mad as …

    Do NOT use this company! They are a shortcut to being sued, broke, disillusioned, depressed, and FULL of regret! This is a complete scam. No help. No bills payed. No response. They DID cash my check – that is the ONLY thing they have done!

    If you are considering using this company – DON’T!

  • Rob Jones

    You should have talked to your friendly debt collector!!! : ) Could have helped do the same thing for free!!!!!

  • http://pulse.yahoo.com/_VPCK72Z5DL4OFO2IHZNXI56N7Q Rob Jones

    You should have talked to your friendly debt collector!!! : ) Could have helped do the same thing for free!!!!!

  • ComplianceSlave

    Alliance8 has simply agreed to take over their files for a split in remaining fees.

  • Jtriplo

    FFM is scamming people out of their money. They have almost $14,000 of my money in pre-paid fees. Now they have changed their name to Alliance 8 which is indicative of a shady operation. This is the third name they have taken on. Terminate your relationship with them. A civil class action law suit should be brought against them. I suspect there are thousands of people like us. Good luck Joseph

  • Heather N

    This company is a scam! In 2008 we started this program when we were falling into a lot of debt due to personal circumstances. I was still up to date with all the bills, though felt deep in debt. I found this company & they sounded pretty sincere that they could help me pay it off. I expressed concern over the phone of not wanting to fall behind on payments & mess up my credit, they understood. They have you change all your information with your creditors to their information (address, phone number, name), therefore you have no idea what is going on with any of your creditors unless FFMGT tells you. I was not informed that my payments would be immediately stopped to all my creditors in the program. This makes me so angry! I purchased a home in 2006 with a credit rating of 720, now my credit score is 589 & that is actually increased from what it was. After not hearing anything within a few months, I contacted FFMGT. They informed me that they can not do anything until they receive the full start-up fee, which is a whopping 12% of the total balance! Therefore, it would be months/years before my creditors get paid! At that point, if I quit the program all the money in my account would have been gone, since it’s still the start-up fee. After being sued twice over the past few months, they are supposed to be settling one of these accounts. My husbands checks are being garnished for the other one. I am trying to follow up with the one their supposed to be settling, though their website address does not work, my representative’s email is no longer active, & their phone number’s mailbox is full!!! I do not know what to do! I feel so violated that I could fall for something like this! I’ve tried to get out a few times & they have a nice, understanding lady talk with you & you feel pressured into staying in the program. Is their a way to sue or end this program so no one else has to go through what I & many others have had to? This program has ruined my credit history for a very long time! This program is a scam & should not be allowed to do this! Please help!

  • Heather N

    This company is a scam! In 2008 we started this program when we were falling into a lot of debt due to personal circumstances. I was still up to date with all the bills, though felt deep in debt. I found this company & they sounded pretty sincere that they could help me pay it off. I expressed concern over the phone of not wanting to fall behind on payments & mess up my credit, they understood. They have you change all your information with your creditors to their information (address, phone number, name), therefore you have no idea what is going on with any of your creditors unless FFMGT tells you. I was not informed that my payments would be immediately stopped to all my creditors in the program. This makes me so angry! I purchased a home in 2006 with a credit rating of 720, now my credit score is 589 & that is actually increased from what it was. After not hearing anything within a few months, I contacted FFMGT. They informed me that they can not do anything until they receive the full start-up fee, which is a whopping 12% of the total balance! Therefore, it would be months/years before my creditors get paid! At that point, if I quit the program all the money in my account would have been gone, since it’s still the start-up fee. After being sued twice over the past few months, they are supposed to be settling one of these accounts. My husbands checks are being garnished for the other one. I am trying to follow up with the one their supposed to be settling, though their website address does not work, my representative’s email is no longer active, & their phone number’s mailbox is full!!! I do not know what to do! I feel so violated that I could fall for something like this! I’ve tried to get out a few times & they have a nice, understanding lady talk with you & you feel pressured into staying in the program. Is their a way to sue or end this program so no one else has to go through what I & many others have had to? This program has ruined my credit history for a very long time! This program is a scam & should not be allowed to do this! Please help!

    • Jtriplo

      FFM is scamming people out of their money. They have almost $14,000 of my money in pre-paid fees. Now they have changed their name to Alliance 8 which is indicative of a shady operation. This is the third name they have taken on. Terminate your relationship with them. A civil class action law suit should be brought against them. I suspect there are thousands of people like us. Good luck Joseph

      • http://www.ftc.gov ComplianceSlave

        Alliance8 has simply agreed to take over their files for a split in remaining fees.

  • Anom

    Been reading the site for a while and don’t know if this possible. Assuming that this is a 3rd party escrow account that most DS companies use I would contact the bank that is holding the funds and ask for your account history. If they did pay this account off for you, there should be a record of the funds being sent and by looking at the account history you would see it.

  • anonymous in Texas

    What State do you live in ? I was told they paid off 1 of my credit cards and was in the process of settling another one. Did the credit card company send you a notice that your account was settled……How do we know if they are telling us the truth ?????

  • anonymous in Texae

    I started my account in march 2009. For the first 10 months they called me every week or every other week to see if I was being harassed by creditors. When all my fees were paid they did not contact me anymore. I have been trying to contact them for several months now. Several of my friends have a account with freedom. They have not been able to get a hold of them either.There website is not available and they will not answer there phone. I contacted Global bank and after several days the finally got in touch with Freedom. Thursday 11/04/2010 I finally got in touch with them. I told them I have been trying to reach them for months. She said they have a high volume of phone calls and it is hard to reach them.She also told me they paid off one of my accounts and was trying to settle another one.I dont know what to do…How do I know they paid this account. What should I do? Should I close out my account, I dont trust these people anymore.

  • anonymous in Texae

    I started my account in march 2009. For the first 10 months they called me every week or every other week to see if I was being harassed by creditors. When all my fees were paid they did not contact me anymore. I have been trying to contact them for several months now. Several of my friends have a account with freedom. They have not been able to get a hold of them either.There website is not available and they will not answer there phone. I contacted Global bank and after several days the finally got in touch with Freedom. Thursday 11/04/2010 I finally got in touch with them. I told them I have been trying to reach them for months. She said they have a high volume of phone calls and it is hard to reach them.She also told me they paid off one of my accounts and was trying to settle another one.I dont know what to do…How do I know they paid this account. What should I do? Should I close out my account, I dont trust these people anymore.

    • Anom

      Been reading the site for a while and don’t know if this possible. Assuming that this is a 3rd party escrow account that most DS companies use I would contact the bank that is holding the funds and ask for your account history. If they did pay this account off for you, there should be a record of the funds being sent and by looking at the account history you would see it.

    • Pat

      Yes you should close your account. I spoke to an atty and she suggested that my husband and me close out account immediately. She said they had to change their names because they have to stay 1 step ahead of all the lawsuits against them. We have been with them since March 2010 and I closed my account with them in Oct 2010. They are a rip off. I suggest you get out as soon as possible. They tell people they settle 1 account so you can feel like they are working on your account, but in reality they dont want to loose your money

  • Nanciezell

    Yes, I got a message on my answering machine yesterday that Alliance8 was taking over my account. I signed up August 2009, and so far one of my 3 credit cards has been paid off. They have already gotten alot of money as their fees. I just hope I have done the right thing. I ahve paid them over $10,000 so far.

  • Etta

    Joined7/09. The company took $6000.00 and no credit card were notified. The company is a scam and want to suck your life savings. We should join in a class action suit. By the way, comapny taken over by Alliance8.

  • Steve Rhode

    You might want to read this refund guide.

  • mohammed a bakar

    Me and my wife sharina begum was paying $632.00 per month for seven months.Now we been sued by a bank and our credit account has been charged off.We tried to reach freedom fidelity, but they dont answer.We are in a big problem now.How we can recover our money?

  • mohammed a bakar

    Me and my wife sharina begum was paying $632.00 per month for seven months.Now we been sued by a bank and our credit account has been charged off.We tried to reach freedom fidelity, but they dont answer.We are in a big problem now.How we can recover our money?

    • http://GetOutOfDebt.org Steve Rhode

      You might want to read this refund guide.

    • Etta

      Joined7/09. The company took $6000.00 and no credit card were notified. The company is a scam and want to suck your life savings. We should join in a class action suit. By the way, comapny taken over by Alliance8.

      • Nanciezell

        Yes, I got a message on my answering machine yesterday that Alliance8 was taking over my account. I signed up August 2009, and so far one of my 3 credit cards has been paid off. They have already gotten alot of money as their fees. I just hope I have done the right thing. I ahve paid them over $10,000 so far.

      • anonymous in Texas

        What State do you live in ? I was told they paid off 1 of my credit cards and was in the process of settling another one. Did the credit card company send you a notice that your account was settled……How do we know if they are telling us the truth ?????

  • http://fidelityManagement anthony citro

    I was scammed with this co, they took my money, put it in another co called global client solutions llc, they were suppose to send money to my creditors, they did not and now i’m being sued, what can you do to help?
    thanks

    • Enza Capobianco

      Anthony your story is exactly like mine. They have been taking $410.00 every month out of my checking out since December 2009 and NOT ONE OF MY CREDITORS has been paid and I too have just been served with a Civil Action suit.

      You try to do the right thing and get scaammed anyway.

      • anonymous

        yeh not a good company to be with, i heard they are going out of business…so what goes around comes around

      • angel

        How can we go about trying to get our money back?

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